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Medicare covers physical, speech and physical therapy (subject to specific limitations). This assumes the treatment is needed so you can carry on day to day activities or keep symptoms that you have from perhaps getting worse.
Of course, it is important that the services you receive are considered safe and effective. Your physician should also be reviewing the treatment you are receiving.
If your claim for these services is denied, there are steps you can take to appeal, through a specified process.
Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Physican therapy is covered under Medicare Part B, but there are cap limits for therapy services - $1,920 for physical therapy (cap for services combined with speech-language therapy). If the services are deemed medically necessary (and documented) by your therapist, you would not be responsible for costs above the $1,920 cap.If you're getting physical therapy services that are not medically necessary, then Medicare will not pay for the services.
Medicare would be paying for approximately 80% of the costs and you would be responsible for the other 20%, after the Part B deductible ($147 in 2014).A Medicare supplement (Medigap) plan can help pay the Part B deductible and the 20% costs for physical therapy services.
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Of course, it is important that the services you receive are considered safe and effective. Your physician should also be reviewing the treatment you are receiving.
If your claim for these services is denied, there are steps you can take to appeal, through a specified process.
Medicare would be paying for approximately 80% of the costs and you would be responsible for the other 20%, after the Part B deductible ($147 in 2014).A Medicare supplement (Medigap) plan can help pay the Part B deductible and the 20% costs for physical therapy services.